adibah jamil, mohamat sabri hassan, norman mohd saleh, rubayah yakob.  (2022).  institutional investors, risk management and audit committees influence on non-financial risk disclosure.  - jurnal pengurusan.  30-45. 

mohd hafizuddin syah bangaan abdullah, rubayah yakob, sajiah yakob, nuratikah syafiqah sharif.  (2022).  indicators of having a micro-family takaful plan amongst low-income earners.  - journal of islamic marketing.  2695-2716. 

meliza zafrizal, rubayah yakob, low soo wah.  (2021).  the influence of liquidity risk on efficiency in rural banks: the moderating role of interbank borrowing fund.  - asian academic of management journal of accounting & finance.  63-79. 

hafizuddin-syah, hawati janor, rubayah yakob.  (2019).  the relevance of foreign ownership on credit risk among islamic banks in malaysia.  - international journal of business and management science.  341-351. 

nurulwahidah fauzi, rubayah yakob.  (2019).  the influence of demographic and herbal characteristics on purchase decisions of zingiberacea familia: an exploration in kota bharu, kelantan society.  - international journal of recent technology and engineering (ijrte).  1058-1062. 

rubayah yakob, hendon redzuan, hawati janor, hafizuddin-syah, b.a.m..  (2019).  contract comprehension: prudent takaful claim decision.  - asian journal of management cases.  1-23. 

rubayah yakob, hafizuddin-syah b.a.m, nurfarhana hani badrul hisham.  (2019).  demographic analysis towards the understanding of education takaful (islamic insurance) plan.  - geografia malaysian journal of society and space.  92-105. 

noor huzaidah husin dan rubayah yakob.  (2017).  aplikasi skor-z altman dalam menganggar kesolvenan pengendali takaful di malaysia.  - jurnal pengurusan.  45-54. 

hendon redzuan, rubayah yakob, zaidi isa.  (2016).  underinsurance in malaysia: the application of the monte carlo simulation.  - jurnal pengurusan.  131-142. 

rubayah yakob, zaidi isa.  (2016).  stability of relative efficiency in dea of life insurers and takaful operators.  - global journal of pure and applied mathematics.  857-874. 

hawati janor, rubayah yakob, noor azuan hashim, zanariah, che aniza che wel.  (2016).  financial literacy and invetment decisions in malaysia and united kingdom; a comparative analysis.  - geografia online: malaysian journal of society and space.  106-118. 

rubayah yakob, zulkornain yusop, alias radam, noriszura ismail.  (2015).  the relative efficiency of investment management of life insurers and takaful operators.  - investment management and financial innovation.  12. 

rubayah yakob, zulkornain yusop, alias radam, noriszura ismail.  (2014).  two-stage dea method in identifying the exogenous factors of insurers` risk and investment management efficiency.  - sains malaysiana.  1439-1450. 

rubayah yakob, zulkornain yusop, alias radam, noriszura ismail.  (2014).  financial management efficiency performance of insurers and takaful operators in malaysia.  - jurnal pengurusan.  25-40. 

rubayah yakob, zulkornain yusop, alias radam, norizura ismail.  (2012).  camel rating approach to assess the insurance operators financial strength.  - jurnal ekonomi malaysia.  46(2); 3-15. 

zaidi isa, rubayah yakob.  (2010).  insurance company stock returns behavior towards market risk and interest rate risk.  - academy of taiwan business management review.  6(4):119-126. 

rubayah binti yakob, hendon redzuan, mohammad abdul hamid.  (2006).  factors affecting the life insurance demand in malaysia.  - academy of taiwan management review.  1(1):55-65.